Use case · Payroll cards

Virtual payroll cards

Issue bulk payroll cards to your team in a single Excel upload. Funds load from your wallet to each recipient's virtual Visa card. No bank account needed from the recipient.

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✓ Issue quickly ✓ Apple & Google Wallet ✓ Bulk via Excel or API

VirtualCardMaker.com, powered by Zil Money, is a financial technology company, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance coverage applies only to eligible deposit products and accounts, and is subject to applicable terms, conditions, limitations, and requirements. Additional information regarding partner institutions, products, and services is available in the applicable terms and agreements.

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A worker holding a gold Zil Money.Com Visa payroll card while checking their phone

The problem

Direct deposit does not work for everyone you pay.

Traditional payroll assumes every recipient has a checking account on file before payday. The reality is different.

New hires on day one. They have not onboarded their banking info yet. Their earned wages still need to land somewhere.
Tipped and hourly workers. They often want flexibility around how and when they get paid. Some may not have a traditional bank account.
1099 contractors. Varying preferences. Varying account setups.

How we fix it

One spreadsheet. Cards loaded. Recipients paid.

Build a recipient sheet. Upload it. Fund the batch from your wallet. Each recipient gets a virtual Visa card delivered by email. They use it like any Visa card.

No bank account needed from the recipient. They do not share routing numbers or open an account. The funds arrive on the card.
Bulk via Excel. Upload a single spreadsheet for your whole team. We issue and load all cards in one pass.
Reloadable each pay cycle. The recipient keeps an active card across pay cycles, with funds loaded each pay period.
Funds held at our Member FDIC partner bank. Loaded balances are held in custody at our partner bank, which is Member FDIC. FDIC insurance applies to eligible balances subject to applicable limits.
Works alongside other use cases. Same wallet funds contractor payments, department spending, and more.

How it works

Four steps from pay sheet to loaded cards.

Build the pay sheet. One row per recipient with name, email, and pay amount. Add a pay-cycle date for recurring loads.
Upload and fund. The dashboard totals the load and pulls from your wallet balance. You approve, the cards load.
Recipients get the cards. A branded email with a secure link to access the virtual Visa details. Recipients push to Apple Wallet or Google Wallet to start spending.
Reload each cycle. Upload the next pay run. Existing cards reload automatically.

See it in action

Your payroll runs in one dashboard.

Watch every load and every charge, by recipient. Issue, freeze, top up, or close any card from the same screen.

Virtual Card Maker dashboard showing active cards, total spending, pending and declined transactions, and recent activity for virtual payroll cards

Live dashboard Active payroll cards, total wages loaded, declined attempts, every charge by recipient as it happens.

Create New Card form in Virtual Card Maker, with options to pick a Visa card type, set a spending limit, and choose between virtual or physical card

Issue a payroll card in a few clicks Pick the Employee Card type, set the pay amount, choose virtual or physical, send to the recipient.

Controls

What you can set on every payroll card batch.

Control	What you set	Why it matters
Per-recipient amount	Set per row	Different amounts per role, tier, or hours worked.
Pay-cycle frequency	Weekly, bi-weekly, monthly	Recurring loads on the cycle you choose.
Cardholder name	Per row name	Card matches the recipient's ID.
Recipient classification	Employee or contractor	Feeds your own bookkeeping. Virtual Card Maker does not file taxes or payroll forms on your behalf.
Reporting tag	Pay run ID or department	Audit trail for your bookkeeping.

In practice

Three ways teams use virtual payroll cards.

Restaurant chain / tipped staff

A 50-location chain runs weekly tipped-staff payouts on payroll cards. New hires get a card without waiting on ACH paperwork to set up direct deposit.

Construction crew / 1099 weekly

A contractor crew gets paid every Friday via virtual cards. The foreman uploads the week's sheet, and cards reload from the same wallet once funded.

Day labor / onboarding day one

A staffing firm issues cards to day-one workers after the worker chooses the card as their payment method. The worker can start spending once the card is funded.

Need cards for other kinds of spend? See contractor payments, business travel, or department budgets.

FAQ

Common questions.

Can a payroll card be the only way an employee gets paid?+

No. Most state wage-payment laws require employers to offer at least one no-cost alternative method of receiving wages, such as direct deposit or paper check, and federal Regulation E bars requiring an employee to receive wages through a specific institution. Payroll cards must be voluntary for employees. Requirements vary by state, including consent and notice rules, so confirm your state's wage-payment statute before enrolling employees. Virtual Card Maker provides the card tooling. The employer is responsible for classifying workers correctly and offering compliant alternatives. Contractor payments are not wages and are not subject to these employee wage-payment rules.

Are there fees the recipient should know about?+

Card fee schedules are disclosed to recipients at card activation, as required by federal and state law. Specific fee amounts vary. Please review the cardholder agreement provided at issuance.

How is the money on the card protected?+

Funds loaded onto virtual payroll cards are held at our partner bank, which is Member FDIC. FDIC insurance applies to eligible balances at the partner bank, subject to applicable limits and requirements.

How do I issue payroll cards to a large team?+

Upload an Excel file with each recipient's name, pay amount, and email. We issue and load all cards in one pass and deliver them via branded email.

Is this a substitute for full-service payroll?+

Virtual payroll cards are a disbursement method, not a full payroll system. They do not calculate taxes, file payroll tax forms, or generate pay stubs on their own. Use them alongside your existing payroll provider or for 1099 contractors.